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Welcome to the education center for Georgia Motorcycle. Here you can research coverages, tips, and news.
Please feel free to select and read the articles!
Coverages
Bodily Injury (BI): Protects your liability when you accidently injury another with your vehicle. NOTE: This coverage is paid when negligence is proven. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Property Damage (PD): Protects your liability when you accidently damage another’s vehicle or property. Note: The difference in coverage pricing from 25,000.00 to 100,000.00 can often be less than $4.00 every 12 months. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Uninsured-Underinsured PD: Protects your vehicles and property from an un-insured or underinsured motorist. If a motorist damages your property without insurance or with minimal insurance, your policy positions you with protection. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Uninsured-Underinsured BI: Bodily injury caused due to the negligence of an uninsured or under-insured motorist is how this coverage protects you.
(This is a synopsis of the term, please contact us for additional examples and perspective.)
Medical: Medical expense coverage for those hurt “in”, “on” or “around” your vehicle regardless of fault. The goal of this coverage is to provide funds for injury without the need to incur legal expenses. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Collision Deductible: The funds your retain responsibility for in the event of a claim. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Comprehensive Deductible: The funds you retain responsibility for in the event of damage to your vehicle. Example: someone slashing your tires, a broken windshield due to hail or a rock from the road. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Towing reimbursement: Towing “reimbursement” up to the level of coverage. If the call for service is direct to the insurance company, the insurance company will pick-up the cost of towing up to the limits of the coverage. The towing company will charge only for the remaining funds due. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Rental Reimbursement: As a result of a claim, the insurance company will pay for a rental in the amount of the coverage defined on a daily basis up-to 30 days. (This is a synopsis of the term, please contact us for additional examples and perspective.)
Accessory Coverage: Upgrades can be insured additionally. Add-on side bags, chrome, windshield are an examples of how this coverage can help protect you in the event of a loss.
(This is a synopsis of the term, please contact us for additional examples and perspective.)
Lease/Gap Coverage: Value of the vehicle vs the lease buyout. Coverage applies to the first owner of the vehicle only. (This is a synopsis of the term, please contact us for additional examples and perspective.)
What Effects Your Georgia Motorcycle Rate?
* Your bike's engine size
* Your age
* Riding experience
* What kind and brand
motorcycle it is
* Safety courses
* How old you are and how good
your driving record is
* Insurance reports and credit with some insurers
* What you will use the bike for
(ex: to ride to work or for
enjoyment)
* How FAR will you be riding it
per year
* What part of the state you
live in
